Dalelorenzo's GDI Blog
27Apr/210

Do you have right insurance against Corona?

One of the most difficult personal finance instructions that many of us have learnt from the fiction coronavirus pandemic is the importance of having insurance and having an adequate amount of it. Now, as the second wave of the coronavirus is spreading across the country like wildfire infecting a record number of people on a daily basis, it is time to review your insurance covers- both health and life insurance. Do you have the right insurance policies to protect you against Covid-1 9? If not, how should you fill the breach? Read on to find out how you can pick the privilege insurance cover- should you opt for the Covid-specific insurance covers or should you go for a extensive health, expression design? Covid-specific insurance coversIn 2020, insurance companies flattened out the Corona Kavach and Corona Rakshak considers on the basis of guidelines issued by the Insurance Regulatory and Development Authority of India( IRDAI ). These standard health insurance policies cover the medicine costs of the coronavirus illnes. These programs are issued for very short-term and was supposed to remain valid until March 31, 2021. Irdai has now allowed insurers to offer and refurbish these Covid-1 9 specific state plans up to September 30, 2021. The Corona Kavach Policy is offered as a state sheathe by the insurer to individuals and families on an damage basis. While the Corona Rakshak is offered by the insurer on a benefit basis. Likewise Read: Difference between Corona Kavach, Corona Rakshak and other coronavirus health insurance policies When should you go for Corona Kavach? This is an indemnity-based health insurance policy which re-imburses your actual expenses for the management of the novel coronavirus malady. It crosses Covid-related hospitalisation overheads, home care treatment expenditures, medical expenditures towards Ayush treatment, and pre- and post-hospitalisation medical overheads. To buy such a policy your senility should be between 18 times and 65 times. If you have children under the age of 18 times, you can go for a family floater option to include your children and dependent mothers. The Corona Kavach has the lowest initial chill period of 15 periods compared to 30 daytimes for comprehensive health plans. The sum guaranteed to the Corona Kavach wanders from Rs 50,000 to Rs 5 lakh. These projects are affordable which makes it possible for you to buy separate protection for each family member. While an individual exhaustive health insurance policy with Rs 5 lakh summing-up assured usually come here for a premium in excess of Rs 10,000 with most insurers, you can get a Corona Kavach make of Rs 5 lakh for Rs 1,300- 3,000. For instance, you can get Rs 5 lakh Corona Kavach move from Oriental Insurance at Rs 1,272, and from Star Health& Allied Insurance at Rs 2,965. There are other insurers who attack a higher amount for the same amount of coverage. The Corona Kavach include come here for term options of three-and-a-half months, six-and-a-half months, and nine-and-a-half months. Who should opt for it: If you have a comprehensive health insurance plan for your family which has adequate sum assured that is sufficient to support simultaneous hospitlisations of all own family members, then you do not need added health insurance. However, if you do not have a health insurance policy or the summarize assured of your health plan is not sufficient to take care of all own family members, then you should go for the Corona Kavach program. "If anybody hasn’t invested in any kind of a health care plan then this COVID1 9 specific programme is a good preference which should be bought urgently without consuming any time knowing the fact the spread is quite rampant in "the two countries " currently, " says Naval Goel, Founder& CEO, PolicyX.com, an coverage comparison entrance. When should you go for Corona Rakshak? The Corona Rakshak programme is a benefit-based plan where 100 per cent sum ascertained is paid to the protected if he/ she gets hospitalised as per policy terms and conditions. The program will merely envelop beings. Preferably than offsetting the actual expense of treatment, such a policy pays the entire welfare sum on occurrence of the covid infection above a defined rank of seriousnes. To be eligible to receive the entire part assured, the policyholder has to be hospitalised for a minimum endless period of 72 hours. The summing-up assured reaches from Rs 50,000 to Rs 2.5 lakh. To buy this policy your age should be between 18 times and 65 times. This plan also come here for same tenure options as the Corona Kavach programme, which is three-and-a-half months, six-and-a-half months, and nine-and-a-half months. Who should opt for it: In suit you already have a health insurance plan but think that it might not be sufficient in case the entire family needs simultaneous care or feel that the out-of-pocket expenses might end up being high-pitched, you can opt for the Corona Rakshak plan as an additional cushion. This program gives people the flexibility to spend the money in your opted acces. When should you go for a extensive health or expression mean? If you do not have any life insurance protection, then these coronavirus-specific strategy, which offer very little coverage, may not be of much facilitate specially if the policyholder dies due to Covid-1 9. Therefore, it is better to go for a basic expression schedule that sticks your family financially after your death. "Considering the eruption of second curve and the severity caused by the COVID-1 9 off late, it is imperative to have a life insurance plan as soon as possible to secure the future of the family in case of the downfall of private individuals. Moreover, it is always emphasised that a life insurance policy should be bought early in soul to enjoy its benefits such as lesser premium with higher returns and to wisely proposal the future of your family, " says Goel. Similarly, if you is not have basic comprehensive health insurance policy it is high time you get one. There are many instances of beings developing other complications after recovering from the coronavirus. The Covid-specific schedules come with a very short tenure and may not offer protection for the long term. "Primarily, COVDI1 9 has been observed to have long term side effects on an infected body which requires remedy beyond COVID1 9 referred expense which is not covered under COVID1 9 specific programs but service standards health care plan take care of the same. Also in case of a side effect caused to due COVID1 9 vaccination who are in need of hospitalisation is likewise taken care by the health care plan, unlike COVID1 9 specific which curbed till COVID1 9 illness hospitalisation, " says Goel. Do keep in mind that, if you do not buy a thorough health plan before being infected from the coronavirus, then buying one after recovering will become difficult. Click now to find out why.

Read more: economictimes.indiatimes.com

19Mar/210

‘Opportunity to reset’: How MPs are urging the Treasury to use tax policy to drive green recovery

'Opportunity to reset': How MPs are urging the Treasury to use tax policy to drive green recovery

Environmental Audit Committee Chair Philip Dunne talks to BusinessGreen about the need for 'a tax system fit for net zero Britain' and the right time to judge whether the government has delivered on its light-green retrieval predicts

MPs are urging the government to use the upcoming Budget to usher in a major alteration of the tax system to align the UK's spending plans with its net zero and biological diversity commitments, alerting experience is running short to deliver on its promise of a dark-green economic recovery from the coronavirus crisis.

Parliament's Environmental Audit Committee( EAC) today launched a wide-ranging report on the government's lettuce recuperation agenda which says major reforms to UK taxation and the speedy release of long-awaited policy approaches will be central to laying the foundations of a greener, job-rich economy that protects nature.

Among a long list of proposed actions, it calls for cuts in VAT for light-green produces, the creation of a new National Nature Service to help protect wildlife, and scoping work to explore the potential for implementing an economy-wide carbon tax and carbon territory adjustments to drive investment in low-toned carbon infrastructure and action 'carbon leakage' from the UK economy.

Other recommendations include urgently delivering clear strategies to deliver new carbon capture and storage( CCS) and hydrogen projects, specifying clear and ambitious targets in the delayed Environment Bill, lay the foundations of domestic EV battery manufacturing at magnitude, and aligning the UK's net zero and sort agendas.

It likewise calls on the government to "rigorously" assess its PS27bn road building programme against the UK's air quality, atmosphere, and biodiversity objectives before individual programmes continue - a recommendation that follows disclosures arising from an on-going law challenge that Transport Secretary Grant Shapps overrode official advice that the controversial program should be reviewed on environmental grounds.

Philip Dunne MP, chair of the EAC, said the Covid-1 9 pandemic was a symptom of the wider environmental crisis the world currently faces, and should be treated as a "wake-up call" for Ministers to set the UK on a far more ambitious pathway to a net zero release, biodiverse future.

"The economic recovery will mold our national economy for decades to come, and it necessary that tackling climate change and rebuilding nature is at its core, " said the Conservative MP for Ludlow. "There will be no inoculation against runaway climate change, and it is our responsibility now, abusing the opportunity of the economic recovery, to set the UK on track for net zero."

The Chancellor is set to deliver the Budget on 3 March, and the EAC implored Rishi Sunak to grasp the opportunity to bring forward a raft of proposals to encourage green behaviour change and drive investment in low carbon engineerings and nature-recovery efforts.

One of the main recommendations in the report centres on slashing VAT on green concoctions for house energy efficiency upgrades and low-spirited carbon construction measures, as well as for repair services and products containing reused or recycled fabrics to boost uptake and investment in circular economy endeavors - a suggestion that was propagandized up the agenda earlier this month with the launch of a brand-new safarus by the Daily Express similarly calling for VAT to be axed on dark-green products.

The EAC also repetition calls for an overhaul and increase for the troubled Green Homes Grant programme, following weeks of negative headlines arising from administrative problems with the arrangement and approval from the government last week that it is withdrawing over PS1bn from the initial budget of the stimulus package.

Further tax motivations is appropriate to be given to ultra-low emission vehicles to boost uptake, while other current environmental taxes - such as Air Passenger Duty - should be reformed in order to better reward and drive efforts to develop greener aircraft technology, the EAC argued.

And, the Committee urged the government to begin scoping work on an economy-wide carbon tax - which it said would be "one of the most economically efficient ways to incentivise low-toned carbon choices" - in addition to looking at the potential merits of carbon territory adjustments.

"A tax system fit for net zero Britain is key, " said Dunne. "It will encourage innovation, give confidence to the sector and patronage a corporation to fix the low-carbon transition. There are endless initiatives that can lead to a greener future and the Chancellor should use his upcoming Budget statement to start this process."

Whether or not the Chancellor will take up the recommendations remains an open question. The report follows criticism from the government's spending watchdog, the National Audit Office( NAO ), last week which accused the Treasury and HRMC of having exclusively a "limited understanding" of how the UK's tax regime patronizes atmosphere and environmental objectives. Meanwhile, political opponents have thrown the authorities concerned for failing to deliver a multi-billion pound lettuce stimulus program similar to those adopted by Germany and France.

As such, calls are growing for the government to deliver on its promised 'build back better' agenda on variou figureheads. The EAC's calls for VAT reform resemble those which have frequently come from a range of business and environmental groups over the past year, such as Green Alliance, the REA, and even the Sustainable Restaurant Association( SRA ), while proposals for an overhaul of carbon pricing program and the urgent verification of a raft of decarbonisation policies have widespread backing from business leaders.

Dunne told BusinessGreen he was looking to the upcoming Budget for the government to set a more ambitious course for a light-green retrieval, as he said there was a need for a "wider debate" about how taxation could be used to support the UK's net zero transition.

"What it is essential to do as we pate towards net zero Britain is to open up a debate across the country about how should tax policy and concedes - incentives as well as retributions - be directed to help people change behaviour, " he said.

Green asset

The report also takes aim at the Bank of England's money programmes, following criticism from green campaigners that in the wake of the first Covid-1 9 lockdown last year the central bank did not place enough 'green strings' to the financial and lend supporter it offered to struggling high carbon companionships, such as airlines.

Going forward, the Bank should therefore ensure it includes climate and nature objectives in future pandemic-support programmes, such as requiring that recipients publicly disclose the climate threats facing their business in line with the Taskforce on Climate-related Financial Disclosure specifications, according to the report. It should also be given a specific mandate to help drive the net zero transition, and reduce the carbon intensity of its corporate ligament portfolio, the report added.

Meanwhile, the report says the government should ensure its proposed National Infrastructure Bank( NIB) escapes a same fate to its effective predecessor - the Green Investment Bank - which was sold off to the private sector in 2017. It calls for an "unequivocal guarantee", potentially in law, that the NIB will remain a populace academy for the long term, adding that it should be given a mandate to promote projects focused on nature recovery, in addition to its proposed net zero mandate.

'Opportunity to reset'

The government has repeatedly sought to position its pandemic recovery plans as an opportunity to build a greener economy, particularly given the UK is set to co-host the critical COP2 6 UN climate change summit in Glasgow later this year. Last-place time, the Prime Minister Boris Johnson promised to "build back better" from the crisis, before unveiling his 10 Point Plan for a Green Industrial Revolution in the autumn.

But amid several adjournments to crucial cyberspace zero programs - such as the Transport Decarbonisation Plan - as well as the contentious withdrawal of funding from the government's flagship Green Homes Grant scheme last week, environmental groups have questioned the Treasury's commitment to delivering a genuinely dark-green recovery.

"What such reports to consider ways to point towards is that some things[ the authorities concerned] have doing well, and some things they may have been disconcerted and haven't gone to plan, " reasoned Dunne. "So there's an opportunity to reset and get back on board."

Caterina Brandmayr, head of climate policy at Green Alliance, said the EAC's report "rightly articulates the spotlight on what the government still needs to do to deliver a light-green recovery".

Harnessing the Budget and forthcoming net zero strategies to deliver an environmentally responsible stimulus would "benefit businesses and communities across the country, and ensure the UK is seen as an environmental world leader as it prepares to host firstly the G7 and then COP26", she said.

Responding to today's EAC report, nonetheless, the authorities concerned vowed it was committed to a light-green retrieval, and foreground its plans to launch the UK's firstly sovereign light-green attachment this year and acquaint mandatory climate danger revealings across the economy by 2025.

"We're committed to building back better and greener from the pandemic, which is why the Prime Minister's Ten Point Plan will employ the UK at the forefront of the world-wide lettuce industrial coup and make hundreds of thousands of green occupations, while the Treasury's Net Zero Review is examining how the transition to net zero should be funded, " the government said in a statement.

Green homes award fiasco

But concerns and confusion continue to surround the government's flagship programme that was meant to be at the heart of its much-trumpeted 'green recovery' agenda.

The PS1. 5bn Green Homes Grant scheme was launched last-place summertime in a bid to provide discount vouchers that would reduce the cost of energy efficiency modernizes on homes. However, the arrangement has suffered from a multitude of difficulties from the beginning, with entrants facing administrative hurdles in accessing the programme and procure accredited tradespeople to carried out under the residence refurbishes, while there have been reports of installers themselves losing money, faculty, and business due to late pays through the scheme.

And in a surprise move last week the government sanctioned plans to remove potentially over PS1bn from the scheme's budget that remains unspent by the end of March. The authority blamed householders' reluctance to have tradespeople enter their homes as the primary motive of the Green Home Grant Scheme's travails, but this explanation was roundly disagreed by business groups and political opponents.

The EAC has kept a close gaze on the scheme, earlier this month revealing simply over 21,000 vouchers towards the cost of home improves have been issued to date, a fraction of the government's ambition to hand out 600,000 lettuce improvement vouchers.

Dunne too told BusinessGreen that in the evidence he had seen from applicants to the scheme nobody had cited Covid-1 9 frights related to installers participating their residences as a core problem. "The fact that merely a third of those applying for vouchers have had them approved tells a slightly different story, " he said.

For its part, the government said it would "continue to bring forward bold measures to cut emissions, with plans to invest PS9bn in improving the energy efficiency of buildings forming part of our wider commitment to end our contribution to climate change by 2050 ".

However, while BusinessGreen has repeatedly sought to confirm whether or not the government's goal of improving 600,000 residences through the Green Homes Grant scheme remains in place given its drastically reduced budget, BEIS has yet to provide clarification.

The EAC today therefore reiterated its demand for the authorities concerned renovation the anxious arrangement, and give it beyond its current March 2022 cut-off date in order to provide businesses and householders the long-term certainty they need to hire and train additional installers and submit applications for vouchers.

Fund evaluation

Whether the UK government can deliver a truly light-green convalescence from the current economic crisis remains to be seen, but with its leadership on climate change under the spotlight in the run up to COP2 6, it will be under significant influence to back up its encouraging 'build back better' rhetoric with discernible activity. The latest controversy over the Green Homes Grant, recent failures scrutinizing this reputational impairment incurred by allowing the progress brand-new coal mines, and the huge pipeline of long-awaited light-green policy decisions, have all served to undermine confidence that Minister have the key priorities straight-out, with the Treasury widely considered to be one of the key barriers to the development of a believable light-green recovery strategy.

For Dunne, however, the window for action is still open, and the coming weeks and months now offer a critical opportunity to set the government's recovery efforts on an daring lettuce track. The upcoming Budget and following few months therefore look set to provide the clearest exam hitherto of whether the government's light-green recovery predicts will be met.

"That will be the time to assess how effective[ the government's endeavours] ought to have, " said Dunne.

Read more: businessgreen.com

16Mar/210

How to Pump Up Your Sales Team When Working Remotely

We’re sure you’ve read a myriad of articles regarding the transition to working from dwelling and depending on the author the posture on WFH was either extremely positive or predominantly negative. With the research being separate in the same way, we won’t try to sway your intellect in a certain direction. However, we’re sure you’ll agree that you have to take a different approach to motivating your employees.

In order to help you, we accumulated 5 different ways you can pump up your marketings team who used to work remotely with versatile examples.

Table Of Contents

Don’t drown them in non-sales work Invest in resources that everyone can use Encourage social interaction Show your employees their effects Implement a recognition program

5 Paths To Manage Your Sales Team Remotely a) Don’t drown them in non-sales manipulate

Getting diverted while working in an office is almost unavoidable, with employees taking on more responsibilities like power the managers and such. When changing to a work-from-home model, such responsibilities can double and the lines between different task claims can get blurred.

To overcome this, you should set clear aims and anticipations, and help your sales team focus on 3 things- protecting and germinating the treat immensity, diminishing the sales cycle time, and increasing close paces. Everything else should be delegated to other units within the company.

When you cut out all the non-sales work that increases over meter, it gives your employees not only more meter but more confidence in their act, since you’ve removed a big hurdle that was in their way.

b) Invest in resources that everyone can use

Did your alter to working from home tour smoothly? If everyone managed to bring their equipment residence with them, there is still the looming question of software. Most companionships work with storage providers like Google or Dropbox that allow employees to log in to a shared cloud and view and share data effortlessly.

If everyone has access to all the information they need from any type of device, it establishes them the flexibility to work on their own accord and unionize their work hours accordingly. Such flexible was not possible in places and therefore should serve to everyone’s advantage.

Source: Pixabay

Try implementing asynchronous communication which entails sending a message without expecting an immediate response. Leaving time for the other person to respond leads to higher character communication. This type of communication can easily be implemented by switching to Slack and such productivity implements instead of opting for announcing the person or persons on the phone.

c) Encourage social interaction

How often do you support team gratifies? Seeing how while working in an office, you can have spontaneous sessions and brainstorm hearings, the question is- how to carry that into the online landscape?

Using communication tools like Slack and Skype makes up a different dimension when working from residence, and discovering how people may coordinate their workdays differently, it is important to schedule powwows at a certain time every week.

These gratifies shouldn’t focus solely on use but should be a chance for your team to catch up and build comradery. The road we achieve this at Better Proposals is with frost breakers at the beginning of every congregate. They mounted the color and tell us naturalness in the labour portion.

d) Show your employees their impact

It’s important to realize that work regards different appraises to different people. While some are passionate about their professing, others end it as a means to get by, and in extreme situations, like a world pandemic, they can start using work as an unhealthy way to cope with their anxiety.

The best room to motivate hires across the board is by showing them their work has a purpose. Working in marketings can often feel like you’re operating alone with multitudes and not people behind them. A great tip-off on how be demonstrating their purpose is by creating in-house showcases.

These showcases are not about ROI and changeover proportions but beings behind the companies you work with. Show your employees how a mom-and-pop business mature with your help and how they’re helping their community. Show them how many beings they got to hire because of the growth they suffered from working with you.

Seeing how auctions units are oriented towards expectations, it’s your job to show them clients’ satisfaction and the impact they have on small businesses. An added tip-off is to reach out to your clients to write Yelp-like revaluation about your crew that you can use as icebreakers in team meetings.

We advocate having monthly meaningful discussions with your employees about their motive elevations and ask them what alterations you can implement to help them stay motivated. With experiment showing that employees who feel their voice is heard are 4, 6 epoches more likely to feel empowered to perform their best work, all indicates point to creating and sustaining healthful relationships with your team.

Another great room of sanctioning your employees is by making them experiment. Give them the necessary freedom to find different directions, tools, and approaches with which they’ll have an easier go completing their tasks. If they have to get somebody’s approval every time they just wanted to make their allocations in a different direction, they won’t feel as empowered.

e) Implement a recognition curriculum

Creating a culture of recognition should be one of your top priorities. It is a sure way to retain top talent, boost action and urge high performance. None of this should come as a outrage to you, the only question you are able meeting is how to perform this virtually.

Source: Unsplash

Make sure to have honest exchanges about your employees’ future with them. Where do you ensure them in a year, and what sciences should they work on in order to thrive in their busines. On the other hand, also make sure to ask them about things they would like to see altered in the company.

Other than that, you should select who is eligible for compensations or bonuses and determine how often they should be given. Create a organize in which team members elect each other for such reinforces and be transparent with the type of prize they’ll be receiving.

The best space to do i used with a company-wide email including a inspection where employees get to vote on who they consideration deserves the reinforce. The mas of the email should include the values your busines affirms in high regard and the description of the payoff the pick recipient will receive.

Did you get any enormous hypothesis from the essay? If you’re looking for even more amazing sections on sales, we advocate checking out our blog which incorporates a great variety of marketings topics.

Author bio:

Petra Odak is a Chief Marketing Officer at Better Project, simple hitherto fantastically strong proposition software tool that helps you send high-converting, web-based business proposals in minutes. She's a solution-oriented marketing enthusiast with more than 5 years of experience in various fields of marketing and project management.

The post How to Pump Up Your Sales Team When Working Remotely sounded first on Klenty Blog.

Read more: blog.klenty.com

9Mar/210

ET Wealth | 3 wrong reasons to sell your MFs

The equity sells have come full circle from an year ago when the world commotion of the covid virus was just about to begin. During this time, we have had a low-spirited top of the equity business and most mutual fund NAVs that were half of the most recent high of the markets. Such a quick rollercoaster of costs likewise appoints a same rollercoaster of spirits in the minds of savers. As NAVs paraded towards brand-new high-priceds, mutual fund investors started asking whether they should' bible profits’, in other words, should they sell and run.It’s a difficult question to answer for them, and one which few investors placed little study into, extremely compared to the other self-evident question. The point that there are so many mutual funds in India and choosing a suitable one is difficult is now understood by every saver. Everyone has a way around it, whether it’s consultants or websites or just asking around. Nonetheless, selling is far tougher to take a decision about. Curiously, more knowledgeable and more involved investors face this problem a lot more than others. The intellect is those of us who are active and involved investors always have an urge to got something. Such investors generally do well because they learn, analyse and act more than others. Therefore, they start equating being good investors with "ve got something", often anything. Regrettably, along with everything else, in practice, this also translates into being all too ready to sell off their investments.There are many reasons for selling funds but not all of them are good ones. There is likely to be exclusions but the good reasons tend to be about the investor’s own finances and the wrong reasonableness tend to be about the fund. That may not be clear so I’ll explain. Overactive investors utter three reasons for wanting to sell off a store financing. One, they’ve compiled earnings; two, they’ve met damages and three, they’ve started neither revenues nor damages. That is just like a joke but isn’t. Someone will say, “Now that my financings have gone up, shouldn’t I book benefits? ” Alternatively, “This fund has lost a bit of money recently, shouldn’t I get out of it? ” And finally, “The fund has neither gained nor lost, shouldn’t I sell it.” Basically, what I’m saying is that investors who have a bias for ceaseless war can create a logic for taking action out of any kind of situation.And which is the right reason for selling a store? Patently , nothing of the ones above. By themselves, they are not legitimate reasons for selling a fund. The first comes from the specious' reserve profits’ concept that consultants have promoted. Booking earnings doesn’t make sense for stocks, and it obliges even less sense for mutual funds. In both, such attitudes establishes investors sell their wins and hang on to their losers. In mutual funds, the whole point is that there is a fund manager who is deciding for you which inventories to sell and which to buy. If the fund manager is doing this job well, then the fund is making good returns. Therefore, selling a money that has made good returns is the exact reverse of what investors should be doing.Let’s come to the second reason now. While selling underperformers is a legitimate idea, you need to evaluate the timeframe and degree of underperformance. Investors try to sell monies that have generally excellent operation but is likely to be underperformed other funds by small-minded perimeters. Someone will say over the past year, my store has created 25% but five other funds have generated 30% so I will switch to those. This switching based on short-term past performance is counter-productive and does nothing to improve future returns.So when should investors actually sell their stores? The right answer is that they should be guided by their own fiscal points. You should sell a fund and get your money out when you need it. Let’s say you have invested for five or 10 or 15 years, continued your SIPs, and now the money has grown to what you need. You need to make a down payment for a residence, or pay for your child’s education, or whatever else. If you’re getting close to that time, you should sell and exchange, irrespective of the state of world markets. In fact, unless it’s an expenditure that are able adjourned if it is necessary, you should start acting one or two years before occasion. Withdraw the money from the equity fund and start parking it in a liquid store. You can use an automated STP( Systematic Transfer Plan) for this which will be convenient.In a manner of speaking, the primary goal of investing is not to invest but to sell because that’s when you achieve your goal. Be a primary consideration in that .( The generator is CEO, Value Research)

Read more: economictimes.indiatimes.com

8Mar/210

Vaccination and Censorship: The Truth Will Set Us Free

On December 22, 2020, a nonprofit limited company based in Great Britain that calls itself the Center for Countering Digital Hate (CCDH)1,2,3 published a report titled "The Anti-Vaxx Playbook."4

It contains false and misleading information about the Fifth International Public Conference on Vaccination, which was sponsored by the 39-year-old U.S. nonprofit educational charity the National Vaccine Information Center (NVIC), and held online in October 2020. Promotion of the CCDH report resulted in the spreading of fake news and misinformation by mainline media outlets in Great Britain and the U.S.5,6,7,8,9

NVIC's pay-for-view digital conference10 was transparently open to the public and featured presentations by 51 speakers from the U.S. and other countries discussing vaccine science, public health policy and law, informed consent and civil liberties.

Dedicated to "Protecting Health and Autonomy in the 21st Century," the conference was made available on February 2, 2021 for free viewing online. Go to NVIC.org11 to access the conference website and watch all of the presentations.

CCDH Misinformation Campaign Designed to Discredit, Destroy NVIC

Influence Watch, which monitors individuals and groups that influence12 public policy, describes CCDH as a "London-based advocacy group that targets accused 'hate groups' and individuals for de-platforming campaigns to remove them from major social media outlets" and "has ties to the left-wing British Labour Party and British left-progressivism."13

The anonymously funded CCDH also has an office in Washington, D.C. and the defamatory publicity campaign created in December 2020 was designed to not only discredit NVIC's four-decade public record of working within the U.S. democratic system to secure vaccine safety and informed consent protections in public health policies and laws, but to destroy our small charity.

The misinformation campaign was spearheaded by the CEO of CCDH, who is a political operative14 personally affiliated with Great Britain's socialist Labour Party.15,16,17

The report deceived readers by describing NVIC's 2020 conference as a meeting "recently held in private over three days," which implied secrecy,18 even though the event was transparently open to the public just like the four previous vaccination conferences NVIC hosted in 1997, 2000, 2002 and 2009.19

One British tabloid read the report and described NVIC's public conference as a "private conference call" where "secret plans" were plotted to "launch the largest ever misinformation campaign about vaccines."20

Last summer, CCDH published their first report alleging that Big Tech companies operating social media platforms make big profits by allowing individuals and organizations criticizing vaccine science, policy and law to message on their platforms,21 and should take stronger action to censor online public conversations about vaccination that do not conform with the "scientific consensus that vaccines are safe."22,23

That July 2020 report was promoted by mainline media outlets in Britain24,25,26,27 and the U.S.28 However, CCDH's report published five months later in December 2020, which created fake news and misinformation about NVIC's conference, contained even more inflammatory rhetoric.

It demonized those who criticize vaccine safety as "malignant actors,"29 and CCDH demanded that companies and governments virtually eliminate individuals or groups publishing information online that fails to align with government and industry narratives about vaccination and public health policy.

In that report, CCDH ordered Big Tech companies and governments to censor and punish dissenters, charging that "anything less than the dismantling of these individuals' profiles, pages and groups and permanent denial of service, now they know what is happening, is willing acquiescence."30

On January 18, 2021, the anonymously funded CCDH once again publicly attacked the National Vaccine Information Center, this time for applying for a U.S. Paycheck Protection Program loan to secure the continued employment of NVIC's 21 workers during massive nationwide unemployment caused by lockdowns.

The British nonprofit company appeared to suggest that the U.S. government should not have been viewpoint-neutral in granting relief loans, but should have applied an ideological litmus test to NVIC's loan request that was made to retain employees during catastrophic economic hardship caused by lockdowns that have affected donations to charities.31

CCDH CEO Imran Ahmed said, "Lending money to these organizations so they can prosper is a sickening use of taxpayer money."32 Once again, mainline media outlets in Britain and the U.S. widely promoted CCDH's allegations.33,34,35,36,37

Six months of orchestrated public attacks on NVIC by CCDH have generated hate mail to our small charity, which was founded and has been led by parents of vaccine-injured children for four decades.38

Strong Freedom of Dissent History in US

I was born into a post-World War II generation in the U.S., a generation known for challenging the status quo and exercising the right to dissent, which is protected under the U.S. Constitution.39

Whether it was advocating for the right to listen to rock 'n' roll and joining antinuclear protests in the 1950s,40,41 or marching in support of civil rights and opposing an undeclared war in Asia in the 1960s,42,43 or women fighting for equal opportunity and pay and consumer activists working for environmental protection and car safety laws in the 1970s,44,45,46,47 or mothers protesting against drunk drivers48 and choosing a drug-free birth and breastfeeding for their babies in the 1980s,49,50 the baby boomer generation has been known for exercising freedom of thought and speech. 

Contentious social, political and health issues of the 20th century sparked heated debates on college campuses,51 where students could still explore, critique and openly search for truth, and in mainline newspapers, magazines and radio and television stations, where point/counterpoint examination of controversial topics was the hallmark of good journalism because public debate is the hallmark of free speech.

The America where I grew up in the mid-20th century was a beacon of hope for people living behind the Iron Curtain52 and in other totalitarian or authoritarian societies,53 where exercise of freedom of thought, speech and conscience and the right to dissent and peacefully assemble and petition the government for redress of grievances had been eliminated, where people had been turned into silent indentured servants working to serve a small ruling class in control of the state.54

Statists, who believe that economic control and planning must be in the hands of a highly centralized government,55 are always afraid of the truth, afraid that people armed with knowledge will act together to challenge control of the state by a powerful and privileged few.

Without Debate, Without Criticism 'No Republic Can Survive'

I was in junior high school when President John F. Kennedy addressed the American Newspaper Publishers Association in 1961. He said:56

"Without debate, without criticism no administration and no country can succeed and no republic can survive. That is why the Athenian lawmaker Solon decreed it a crime for any citizen to shrink from controversy.

And that is why our press was protected by the First Amendment — the only business in America specifically protected by the Constitution — not primarily to amuse and entertain, not to emphasize the trivial and the sentimental, not to simply 'give the public what it wants' — but to inform, to arouse, to reflect, to state our dangers and our opportunities, to indicate our crises and our choices, to lead, mold, educate and sometimes even anger public opinion."

He closed with these words:

"So it is to the printing press — to the recorder of man's deeds, the keeper of his conscience, the courier of his news — that we look for strength and assistance, confident that with your help, man will be what he was born to be: free and independent."

That speech given 60 years ago was a ringing endorsement for freedom of the press. Yet, in the 21st century, it is becoming clear that there are political operatives and corporations seeking to censor freedom of thought and speech by citizen journalists publishing analysis and perspective on the worldwide web, an electronic communications network that has been the world's biggest forum for free speech over the past quarter century.57,58

Right to Dissent, Freedom of Speech Under Assault in America

The right to dissent59 and exercise freedom of thought, speech and conscience60 is under assault in America,61 even though these cherished civil liberties are codified into the Bill of Rights of the U.S. Constitution. And civil liberties are under assault internationally in other nations with representative democracies, as well.62

Today, political operatives are pressuring government, media corporations and other institutions to eliminate freedom of speech, especially public conversations about vaccine science, policy and law.63,64,65

Spirited public debate about vaccine safety and mandatory vaccination laws has been going on for more than two centuries.66,67 What is the justification for censoring that public conversation now and punishing those who engage in it with economic and social sanctions?68,69

And if the public conversation about vaccination and health can be censored, what topic will be the next one put on the "no fly" list?70,71

NVIC: Working to Reform Vaccine Policy and Law for Decades

I am a co-founder and president of the highly rated nonprofit educational charity established in 1982 and known today as the National Vaccine Information Center.72,73 Our mission is to prevent vaccine injuries and deaths through public education. NVIC does not make vaccine use recommendations. We advocate for the human and legal right to make informed and voluntary decisions about vaccination without being coerced or punished for the decision made.74

Our not-for-profit charitable organization was established for one reason: We were mothers and fathers of children brain injured by the highly reactive pertussis vaccine in the DPT shot and we wanted a safer pertussis vaccine to replace the one that had hurt our children. That goal was accomplished after 14 years of consumer advocacy when a less reactive acellular pertussis (DTaP) vaccine was licensed for babies in the U.S. in 1996.75

We also wanted parents to have access to accurate and full information about the risks and complications of both diseases and vaccines before children are vaccinated, so parents and pediatricians could work together to identify those children who are more susceptible to vaccine reactions and protect their health.

That is why we worked with Congress to secure vaccine safety informing, recording, reporting and research provisions in the National Childhood Vaccine Injury Act of 1986, a law in which the U.S. government officially acknowledged for the first time that vaccine safety should be made a national priority because federally licensed and recommended and state mandated childhood vaccines can and do cause permanent injuries and even death for some children.76,77,78

We are not all the same. We do not all react the same way to pharmaceutical products,79,80,81 which is why our organization has strongly supported research into genetic, epigenetic, environmental and other risk factors that make some individuals more susceptible to adverse responses to vaccination.82,83

We believe every life is important, and that the lives of those harmed by vaccines and infectious diseases should be equally valued and protected.

We believe that consumer advocacy has and should continue to play an active role in holding pharmaceutical companies and government agencies accountable for vaccine product safety, and we are dedicated to working responsibly within the democratic system of this Constitutional Republic to make health policy and law safer and more effective for everyone.84,85,86

Since 1988, I and other NVIC representatives have served as consumer members of the National Vaccine Advisory Committee, FDA Vaccines & Related Biological Products Advisory Committee, Advisory Commission on Childhood Vaccines, Vaccine Policy Analysis Collaborative and other federal and state public engagement projects discussing vaccine science, policy and law issues with vaccine developers, federal and state health officials, medical trade and pharmaceutical industry representatives, and members of other nonprofit organizations.87,88,89

My 22 years of service as a consumer member on federal advisory committees and public engagement projects includes four years as a member of the Institute of Medicine Vaccine Safety Forum at the National Academy of Science, where I helped to coordinate public workshops on vaccine science, policy and law issues90 and was an editor for the report on Risk Communication and Vaccination published by the National Academy Press. That report importantly stated:91

"The goal that all parties share regarding vaccine risk communication should be informed decision making. Consent for vaccination is truly 'informed' when the members of the public know the risks and benefits and make voluntary decisions.

The discussion of mandatory vaccination at the workshop suggested that it may interfere with informed consent and may damage trust and deter effective communication, and thus needs to be carefully weighed against its benefits."

We believe the human right to freedom of thought, speech and conscience should be respected, not devalued. As public health regulations and laws are being created during the coronavirus pandemic to restrict or eliminate civil liberties,92 we should be encouraging people to have civil conversations about vaccination, health and autonomy. Americans should be welcomed by legislators to participate in — not be shut out of — the democratic law making process.93

When people feel disenfranchised and believe that those in power do not care about their lives or the lives of their children, that is when trust in government is lost and people let fear, anger and despair control their actions. Empowering people with knowledge and the hope they can help effect meaningful change if they do it in a rational and constructive way has always been one of NVIC's guiding principles.94

Fifth International Public Conference on Vaccination Features Principled, Courageous Speakers

I want to thank the generous sponsors and attendees of the Fifth International Public Conference on Vaccination: Protecting Health and Autonomy in the 21st Century, who helped to make it financially possible for NVIC to host a virtual conference last fall.95

The conference had been scheduled for two years to be held in October 2020 in a hotel in the Washington, D.C. area. When travel and social distancing restrictions were enacted in the spring of 2020, we had to make a choice between canceling the conference or pivoting to a pay-for-view online public conference.

We chose to hold the conference online because we knew that the controversial issues being debated in the public square this year needed a public forum where well-anchored information and perspective could be presented.

We owe a debt of gratitude to the more than two dozen principled and courageous scientists, physicians, holistic health professionals, authors, attorneys, faith leaders, parents of vaccine injured children and civil and human rights activists, who represent diverse areas of expertise and participated in our conference.96

NVIC Will Not Abandon Our Mission

No matter how many political operatives, corporations and institutions threaten and try to discredit NVIC and our work in order to silence us, we will not abandon our 40-year mission dedicated to preventing vaccine injuries and deaths through public education and defending the ethical principle of informed consent. We are moving forward with faith and resolve that we can secure a future for America that protects health and autonomy in the 21st century.

Because we know that if the state can tag, track down and force individuals against their will to be injected with biologicals of known and unknown toxicity today, then there will be no limit on which individuals' freedoms the state can take away in the name of the greater good tomorrow.

Be the one who never has to say you did not do today what you could have done to change tomorrow. It's your health. Your family. Your choice. And our mission continues. No forced vaccination. Not in America.

Read more: articles.mercola.com

8Mar/210

Which financial ratios tell you best about the health of a bank

The banking sector truly wonders the health of the economy. A bank must maintain a balance between growth and gamble. Analysis of banking capitals is not like analyzing stocks of any other business. Banks get money through sediments or debt in order to have liquidity to extend as lends and to invest to generate treasury income.Before jumping in to understand how to analyze bank inventories, one needs to understand the business model of banks and how they make money. Banks mostly make money through a combination of spread income and fee income. One should always look at the core business of the bank, both retail and corporate banking. The proportions of these two in the bank’s total revenue should ever be very healthy. A bank’s presence across the market should be also evenly balanced.As banks have unique attributes, specific fiscal rates provide useful revelations, more so than the others. One needs to look at different parameters such as cyberspace interest income( NII ), net interest perimeter( NIM ), provisioning coverage fraction( PCR ), fund suitability rate( Auto ), Current Account-Savings Account( CASA) fraction , non-performing assets( NPA ), gross non-performing asset( GNPA) and slippages. A bank has to pay interest on the borrowed money, and makes interest on the money it has given. So, investors should analyse the difference between the interest earned by the bank and interest paid, which generates the net interest income( NII ). Investors should also minutely look at total accumulations, total boosts and net interest boundary. A bank that maintains a low-pitched ADR( Advance-Deposit Ratio) is considered safe. Eventually, investors should analyze the capital adequacy ratio( CAR ). Higher the capital adequacy ratio( CAR ), the more the chances of the bank being on the safer feature, symbolizing thereby, that the bank is strengthening its capital funds and monetary growth.Another important parameter is blatant NPA and net NPA. Basically , non-performing assets( NPAs) are recorded on a bank's balance sheet after a prolonged period of non-payment by the borrower. One should ever look out for these multitudes and how they deepen with time. In case of higher NPA, the borrowings get riskier and the bank would need to focus on recovery of the borrowing amounts. Usually, if a bank is into retail borrowing business, then probably the NPA may be lower, whereas, in corporate banking, the NPA heights are generally higher, because if any company defaults, the NPA number shoots up. Another point to watch is the provision coverage rate( PCR ), which indicates the extent to which a bank provided for under the weaker one of the purposes of its lend portfolio. A high PCR shows the bank may further provisions in the coming years would be relatively low, unless the GNPAs rise at a faster time. Investors should also consider the slippage ratio, as a sharp rise in slippage can have a major impact on provisioning and net profit. Low slippage, or no slippage, reflects good quality of assets. Another important factor is the Casa ratio. It goes to show that much deposit a bank has in the form of the share of current and saving account deposits in total sediments. Investors is appropriate to look at the Casa ratio to understand a bank’s monetary health. Higher the Casa ratio, better is its operating effectivenes. NIM is yet another factor to look at, as it appraises the effectiveness of a company’s investment decision. A positive net interest boundary indicates that the bank is efficiently investing, whereas a negative net interest margin implies inefficient investing.Most importantly, a bank management’s forward guidance is an equally important event to watch before coming making an investment decision. Instead of looking at time the current counts, fractions is appropriate to be compared against their historic quantities. This will give an understanding as to whether those figures have improved or not. Moreover, these rates should be compared with peer banks and the industry average to decide the position of a bank with regards to its entrants and whether one should invest in that special bank asset or not .( DK Aggarwal is the CMD of SMC Investment and Advisors)

Read more: economictimes.indiatimes.com